W. U. Hameed, H. B. Mohammad, J. Iqbal, S. Razzaq, and N. Maqbool, “Debt Financing Management: The Modes of Debt Financing for Small and Medium-Sized Enterprises (SEMs) in Pakistan”, iRASD J. Manag., vol. 2, no. 2, pp. 56 – 68, Dec. 2020.